NEW BUSINESS
Guardian Public Adjusting
Angie and Clay Bozeman of Guardian Public Adjusting.
By CHARITY TUMBLESON Reporter
Guardian Public Adjusting has been in business for about two years with owners Angie and Clay Bozeman.
Clay worked for a roofing company for 11 years, and after seeing customers struggling with their insurance claims he became motivated to start his own business in the field of public adjusting.
“I discovered that there was no real public adjuster in Crawfordville and really not even in surrounding areas, so it was something that I saw a need for and I decided to make the switch,” he says.
Business has been good for Clay and Angie.
“Really the biggest hurdle we’ve come into is – and it is with the whole entire industry – that nobody really knows what a public adjuster is. I would say 95% of my customers in the past two years had no clue about me until they needed me or were referred to me,” Clay says.
Public adjusters don’t work for the insurance companies, they advocate for the insured homeowner, and make sure they get everything they are entitled to according to their policy by maximizing the insurance benefits that are due to them after experiencing loss or damages to their property.
“We review the policy that they have on their structure and make sure that they have the coverage afforded to them and then we make sure that they get paid properly according to the policy with their insurance company,” Angie says. With insurance policies getting up to 400 pages long it can be overwhelming to find what you’re looking for when handling an insurance claim, and having a public adjuster review these policies can be helpful.
The services offered by Angie and Clay at the Guardian Public Adjuster are more than just handling a claim from the beginning, but also reviewing denied claims and helping people who have been underpaid in re-evaluating the situation. “We have a statutory fee that we can charge,” Angie says, “so if we don’t get our customers any more than what the insurance company either already paid or say it’s a denial and we can’t get it overturned, there’s no fee. If we don’t recover additional money then we don’t charge.
“It’s definitely been rewarding for us to be able to help people in this way,” she adds. “Just to get people back to their normal lives where they don’t have to worry about the sun coming into their home, or the water coming into their house.” Guardian Public Adjusting is located at 3119-B Crawfordville Hwy. in Crawfordville. Contact them at (850) 556-6847.